For 2026 in Schenectady, located in Schenectady, NY, the FHA loan limits are set as follows: $472,030 for a single-family home, $604,400 for two-unit homes, $730,525 for three-unit residences, and $907,900 for four-unit properties.
As for conventional loans, the top loan amount on a single-family home is $726,200. For properties with two units, it's $929,850, for those with three units, it's $1,123,900, and for four units, the cap is $1,396,800.
Use our FHA calculator to access the latest FHA interest rates and to determine important factors such as your downpayment, income minimums, credit score, reserve requirements, and necessary documentation to qualify.
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The Lendersa® calculator allows you to compare FHA rates and terms against other loan programs. Thoroughly explore alternatives like Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans.
Gathering data from thousands of lenders, Lendersa® quickly matches loan plans against your unique financial situation and requirements.
In 2026, check out the Loan Limits Comparison Table for Schenectady, within Schenectady, NY, to compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Assess qualification criteria such as income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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